客户是私人银行业务发展的核心;如何做好存量客户的维护和提升,潜力客户的发现和挖掘,是私人银行业务核心竞争力提升的关键;依托总、分行各类数据资源平台,尽快搭建私人银行业务“大数据”基础,是加快推进私人银行业务发展,实现客户精准营销的重要路径。以“大数据”为基础,搭建分层管理机制通过构建存量客户图谱和联动目标客户库为基础,搭建客户分层管理机制。1.行政管理分层。对存量私人银行客户按照总 The customer is the core of the development of private banking; how to do a good job in maintaining and upgrading existing customers and discovering and excavating potential customers is the key to enhancing the core competitiveness of the private banking business; relying on various data resources platforms of the headquarters and branches to build private individuals as soon as possible. Banking business “big data ” foundation is an important way to speed up the development of private banking and achieve accurate marketing for customers. Based on “big data”, build a hierarchical management mechanism and build a customer-level management mechanism based on the building of the customer map of stocks and the linkage of target customer bases. 1. Administrative management stratification. The total amount of private banking customers in accordance with the total